Hi @Dessi
Everyone has covered pretty much everything so just some practical advice on the salary continuance insurance / critical illness insurance side. My experience was that I got my financial adviser who was the contact for the cover to do all the liaising and running around following up info etc with the insurer (they get a yearly kickback on the premium). Was nice to deal with the guy I knew not a stranger in a big insurance company to reduce stressing about it. It takes a few weeks to process. My GP and breast surgeon both really helpful signing forms altho I did try and fill in as much as I could myself first. You can email to them. I had double mastectomy with free TRAM flap immediate reconstruction so big op. Was about 12 hours all up due to complication. Altho i think i bounced back physically pretty fast, but took about 5 weeks to even think straight for any length of time and GA to fully wear off I reckon. Short stamina mentally.
One thing I'd do differently is overestimate by double the length of time I thought it would take me to get back to work. I run my own company so that's hard relying on others to do your work so thought i'd be ok sooner. She'll be right, mate! . It's not just physically but also mentally being knackered and short stamina that gets you. I underestimated at 2.5 months post surgery to start again and insurance company paid out and closed claim. Then found myself wanting to reopen it again to take pressure off having to go back so soon/ continue part time work for longer when I didn't feel up to full time yet still. Has complicated things now and they're requesting more info etc. Just working thro that at mo.
All the best.